A smarter loan
Is a Business Loans
Right For You?
We offer a variety of short-term, medium-term, and Merchant Cash Advance Loans for business owners to use for products, services, and business expenses they need covered when they’re short on capital, including options for both start-ups and existing businesses. We also work with businesses that have little to no credit or have not been operating long enough to qualify for a traditional bank loan.
What Types of Business Loans Do We Offer?
Short-Term (30 days)
A Cash Branch Short-Term Business Loan is a smaller loan that is due to be paid back plus interest 30 days from the date of receiving funds. They are designed to help cover emergency business expenses, fees and/or bills that need to paid when your company is short on working capital. Our short-term business loans range from $500-$1500, are due in full 30 days from receiving funds, and carry a flat rate fee for the amount you borrow.
Medium -Term (3-6 months)
A Cash Branch Medium-Term Business Loan is a larger loan that is paid back plus interest over the length of an agreed term, normally 3-6 months, in the form of bi-weekly payments. Installment Loans are designed to help cover higher priced products, services, fees, bills, and business expenses that you may need more time to pay back. Our Medium-Term Business Loans range from $1000-$3000 and are split into equal bi-weekly payments to be paid over the length of the term. They are perfect for when you need to purchase something more expensive, need smaller payments, and need a longer period of time to pay off the loan.
Invoice Cash Advance (Invoice Factoring)
A Cash Branch Invoice Cash Advance isn’t really loan, it’s a business partnership! We partner with your business to provide you up to 70% of your unpaid 30, 60, and 90-day invoices in cash before your customer actually pays the invoice. It’s a form of “asset-based financing”, meaning that we use your business’s unpaid invoices as collateral to advance your company 70% of the invoice’s total dollar amount.
What If I Can’t Pay My Short-Term Business Loan in 30 days?
Running a business is full of ups and downs…So If you can’t pay back the entire loan plus interest in 30 days, don’t worry, we can extend your loan! Just pay the interest and financing fee due on the loan along with a small extension fee and we’ll give you another 30 days to pay it back.
How Does an Invoice Cash Advance Work?
Cash Branch will process the advance for a flat rate of 5% (of the total invoice), then provide you with up to 70% of the total invoice while holding on to the rest. From the remainder, we then deduct 2% (of the total invoice) for every week the invoice goes unpaid. Once the invoice is paid in full, we release the withheld amount (minus the deductions) to your business.